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Transfer switch alternative
Ncrunch32- sounds like the power company/inspectors etc. are more problematic where you live than in my area. Around here (central Kentucky), it is common to make temporary arrangements to get the power back on before final inspection on a service change or similar install such as a transfer switch.
Most of the time, the power company guys here can cut a service loose at say 8am and return about 3pm or so to make it hot again. I have often asked them to leave the old meter base hot while I built a new service right beside it. A couple of jumpers from "old" to "new" and the lights are on.
You can use your gen-set as a source of "temporary" power if wife absolutely has to have lights every minute. I wish you luck in your search for a solution that limits your liability with both wife and power company.
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Transfer switch alternative
I have been told that semians breaker panels now are making the same kinda device for thier panels. There is a semins panel you can buy with it already installed, but it is marked under another name. I have been told both the square D and semins generator switch lockouts are about 20 dollars.
It seems that some of you guys have a hard time between your inspectors and uttility companys. Around here I make an appointment with the uttility company then the inspectors. the uttilitys will come out at 8 to turn off power and return latter when you call them to turn it back on. The inspectors will come out sometime during the day to check out your job, he will then give you an inspection slip to give the uttilitys so they know it ok to hook back up. Heck one power company will even let me pull the meter to kill power to the house.
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Transfer switch alternative
Square D mades thier own. There is a company making them for most mainstream panels and also does custom one, UL Listed and accepted by All 50 States
Link:  
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